Papua New Guinea University of Technology Opening Academic Year, 3rd of February 2014: video address by the Vice-Chancellor, Dr. Albert Schram

This is my video address to all Students, Professional Staff, and Faculty of the Papua New Guinea University of Technology at the start of the academic year 2014.

Today, we are exited and delighted to welcome over 900 new students from all over Papua New Guinea and several from other Pacific Islands to UNITECH. This is almost 10% more than last year, and the largest number of incoming students in UNITECH's 48 year history. As Vice-Chancellor, it is a special pleasure for me to say to all incoming first year students: "Welcome to UNITECH!".
I am sorry that I have to address you from my exile in Australia, because I have not yet been granted a new employment visa, which is a legal requirement for my return to PNG. Although in all these months I have never been legally dismissed by the UNITECH Council - the news that I have been reinstated therefore is greatly exagerated -, my first employment visa was cancelled in March last year by the government without explanation, and I have not been issued a new one yet.

I will not speak of the great sadness this involuntary exile has caused in me, and the terrible insecurity my family has faced during all these months. I feel for the UNITECH community that has put all its hopes in our efforts to transform the institution. This was my promise as a candidate for the Vice-Chancellor's role in my presentation for council, staff and students on 8 June 2010 (Schram 2010b). The UNITECH community has been waiting patiently until today for that to happen, and for my return to campus.

I thank you for all the tremendous and loyal support you have shown me, and my wife Paulina. In particular, I want to thank the past and present Student Representative Council SRC Leadership: SRC President 2012 Joe Kaowai; this year's SRC president Eddy Nagual and Vice-Presidents Olsson Waram and Constance Kauwaba; the courageous students who staged the demonstration in Port Moresby on 12 December 2013; and all the students, who have shown tremendous support and risked their studies to defend UNITECH. It has not been a waste of time.

Many thanks to all who were courageous enough to act against political convenience, prudence and their own self interest, just to do what is right: Justin Kehatsin and Simon Sengi of NASA, Wilfred Pasanai of NSA, Micah Vines, Ken Polin, Chris Alu our Director at the Port Moresby office, the Chancellor Sir Nagora Bogan, the Pro-Chancellor Alan McLay; the Deputy and now Acting VC Prof. John Pumwa, who together with the Senior Management Team did a great job keeping the university running, all those helpful staff in the registry bursary, and administration of UNITECH, too many to mention. Your acts of extra-ordinary civil courage risking dismissal or worse, are gratefully acknowledged and will not be forgotten.

Finally, I want to thank my wife Paulina who not only left her job, home and family to come to PNG, but supported me throughout these difficult times.

Let me spend a few words on how the so-called UNITECH saga started in the first place, and make a historical comparison with the University of Leyden in the Netherlands in the 1940s. Next, I will speak about the future of the Higher Education Sector and UNITECH in Papua New Guinea. Lastly, and in line with tradition I will offer some words of advice to the first year students.

A- UNITECH SAGA. There is no peace without justice. There are times when academics have to stand up for each other. Once justice has been done the university and the country can again move forward. Let me illustrate this by a historical example from Europe.

As you know many European countries, including the Netherlands, were invaded by the German armies in the 1940s. The regime proceeded swiftly to order the Vice-Chancellors of the universities to sack all Jewish professors. Most Vice-Chancellors regrettably complied, except Prof. Cleveringa (CLEVERINGA), not a Jew himself (Ignatieff 2013).

In a famous speech he gave on 26 November 1940, Cleveringa resisted the racist policies. The German armies then were at the top of their power, and resistance seemed futile. The Dutch students were moved to tears by his words, sang the national anthem, and started to boycott classes. In response, the regime closed down all universities. Prof. Cleveringa was incarcerated, but survived the war, and so did his Jewish colleague, and both continued to work together at the university.

After the war the reputation of the University whose motto is "bastion of liberty" (praesidium libertatis) had further increased, due to Cleveringa's act of civic courage and resistance to unlawful policies. As a consequence, its academics played an important in reconstruction of the country, when the rule of law had been restored.

Let us recall of how the UNITECH saga started. Please note, it was never in our interest to prolong the saga or make it so public, and it is the responsibility of our adversaries that is has gone on for so such a long time.

In 2012, UNITECH we were faced with a hostile Council, which has since been dissolved, and from December onwards with a hostile Minister of Higher Education. We had to protect a member of our management team from unjustified attempts by the previous Chancellor to fire him, for no reason what so ever. Although later I became the prime target, the conflict therefore did not start with me, but when a colleague was threatened with dismissal for no legitimate reason.

On 28 December 2012 we suffered another attempt by the Minister of Higher Education Research Science and Technology HERST David Arore to reappoint a former Head of Department, we had just fired for incompetence. Soon afterwards on 8th of February came my first unlawful deportation. The second unlawful deportation on the 9th of March triggered student unrest, which however did not produce the desired result. Promises were made, but not kept. In April, I came to campus for the graduation and an interview with the investigation team, but had to leave prematurely, narrowly avoiding a third deportation. It was only then that I was notified my employment visa had been cancelled on 14th of March.

Since then there has been more than enough time to arrange my return, but until today there have been no results. The Sevua Investigation found no evidence for all the silly and baseless allegations in my regard, and was presented to the Prime Minister on 29th of May. Trying to expedite the process, I applied for a new visa at the on 26 August. Council endorsed me twice in August and in December. Until today no news on my employment visa, not even a proof the application has been lodged.

Throughout these events, Prof. Cleveringa's civic courage stayed in my mind. Although the price for defending institutional autonomy and academic freedom can be high, we have to continue to do what is right, always.

An important lesson from any conflict is that, only after justice has been done, peace and stability can arise. In 2012, for example, we were able to appoint a new Chancellor, Sir Nagora Bogan, a long-serving and respected PNG diplomat, and citizen of Lae. The Chancellor is the chairman of the Council, or board, which as a body is the supreme authority at UNITECH. He managed to stabilise the Council and slowly end the infighting.

B- FUTURE OF HIGHER EDUCATION SECTOR IN PNG. It is not just UNITECH that is in trouble. The following issues for all PNG public universities need to be addressed urgently:

to establish properly organised university administrative systems in order to end mismanagement, favouritism, and corruption.

to stop political interference and cronyism, and respect the autonomy of the University Councils and Academic Boards (or Senate at UPNG) as established by the University Acts,

to assure the promised infrastructure funding is transferred immediately to the public universities in a transparent manner, and

to stop new fly-by-night private universities from entering the country for a price, and selling a parody of a university education to unsuspecting students.

All this is NOT hard to do: it requires adequate university management, and the political will of the government to carry out its agreed and published higher education policies, including the reduction of the size of the university councils at UPNG and UNITECH. We beg Prime Minister to start implementing the government's higher education policies.

In the 12 months, for example, that I was on campus as Vice-Chancellor, I was able to start up many projects. The management team, staff and students stepped up, and carried them out with vigour, and in a constructive spirit. Leading after all is getting things done through others, and giving them credit for it.

Since not all of the following is known, and there has been much ill-informed talk about it, allow me to list what my management team together with UNITECH staff and students accomplished. Apart from the appointment of the new Chancellor, we managed to make significant progress in dealing with legacy issues in four main areas:

1- Provide a more strategized approach to academic leadership and create better working relationships on campus: installed an effective Acting Management Team, brought communication into the 21st century on campus by giving email enabled blackberries to all Head of Departments and Directors; created a Staff and Student Representatives Advisory Committee and thus build much better relations on campus among staff and students; ended with the SRC student groups fighting on campus, in return for better teaching and better student services; started strategy development and implementation oriented towards exceeding students expectations (Schram 2013) (Schram 2014).

2- Improve academic quality of teaching and research: hired over 20 Faculty members with PhDs, and built houses for them; started with international institutional accreditation, approved by Academic Board and supported by AusAid; started with professional accreditation of engineering programs; reorganise and develop the graduate programs, and appoint a Dean of Graduate Studies Dr. Shamsul Akanda; had the MBA approved by the Academic Board and started after 20 years of discussions; installed industrial advisory committees for all departments to assure the relevance of the programs for the employers of our graduates.

3- Improve learning opportunities and create more activities for students: increased the number of international scholarships for students; increased research funding, and start with international student exchange with Europe through the Erasmus Mundus programs (Schram 2010a); started experimenting with the entrepreneurship program; helped the SRC organise the first Cultural Show after 3 years; organised the first Open Day for all departments after 6 years.

4- Upgrade infrastructure and provide better services on campus: negotiated a 50% rate cut with Digicel in off-peak, night hours, offered Wifi for students; had the campus roads resealed; installed an ATM on campus; reopened the staff restaurant, the “Kofi Haus” and started mosquito spraying for reducing malaria incidence.

Much of this has been continued in 2013 by the Acting Management team I left in place after my departure. When proper governance is restored at UNITECH, and I will return on campus, we will be able to continue this work, and initiate new projects which will benefit students and staff directly. The full benefits of our strategy to transform UNITECH are yet to come.

If it can get its act together, UNITECH can count on the support and help of many alumni, industry partners, supporters and friends. After my mission to Singapore and India last year, for example, we can obtain better and cheaper internet, saving students hundreds of Kina per month in Digicel credits. We will also be able to import much cheaper textbooks from India, saving students thousands of Kina per year.

In Australia, we can engage in public private partnership that will allow our students to obtain internationally recognised certificates. We can receive help from our university partners from all over the world. In Europe, UNITECH has been included as associate partner in an increasing number of Erasmus Mundus projects, which will allow students to study degree programs in Europe, and staff to spend time on study visits.

Meanwhile, we will continue to lobby the government to transfer the promised infrastructure funding, and implement a salary review by increasing the salaries for all UNITECH staff. We implore the Prime Minister to assure the implementation of its approved higher education policies, return my employment visa, respect the decision of the autonomous UNITECH Council (Jackson, 9 Jan 2014). We request the release the funding for the Kina-for-Kina commitment of the Australian government agree between the Somare and Rudd governments, the 500 Million Kina promised for the university system by the O'Neill government, and the 180 Million Kina for the accreditation of the engineering programs at UNITECH.

C- WORDS OF ADVICE. Thirdly, in line with tradition, some words of advice and encouragement to our new students.

Today, we celebrate that you are part of an international learning community with a universal mission. Any university has a universal mission of providing high quality research, teaching and outreach. But UNITECH is special as a university: we stimulate the critical evaluation of science and technology for Papua New Guinea and the Pacific. This is what we are supposed to be doing, this is our ideal.

You are part of this community, because you came here to learn and to be educated. At all time, you must follow the university rules, which ensure that others have the opportunity to learn. Unlike secondary school, at university you need to become a self-directed learner. Once you have learned how to learn, you must continue learning during your whole life.

As to your education, extra-curricular and civic activities play an important role. University is more than doing your assignments and passing your exams. Only at University will you forge friendships with people with a completely different background and values. You will learn to respect each other, and value diversity. You should therefore continue to be active in your Church and civic organisations. In addition, here on campus you can become active in sports activities, departmental associations, provincial groups, organisation of events, and the SRC. All this is essential to develop your character and leadership skills.

Let me close now. We must not allow others to erode inclusive and democratic institutions, such as universities (Acemoglu and Robinson 2012). Inclusive institutions provide the rules, the organisation, and the transparency, which allow the spread of economic prosperity and political responsibility widely among the population. As the Prime Minister has repeatedly said, corruption undermines these type of institutions, and has no place in PNG. Without such institutions, Papua New Guinea will continue on its narrow path of economic growth reflected in the official statistics, but without development for the largest part of the population.

We have one last chance to get this right now for UNITECH, and defend it as an autonomous, academic and public institution. Together, we must continue on this path, and achieve the necessary transformation of UNITECH in order to make this great institution live up to the promise contained in its mission.

Let me to end with reminding ourselves of why we are part of this great learning community called UNITECH in the words of the great Italian poet, Dante Alighieri from the early 13th Century in Italian:

Schram, Albert. 2010. “The Social Responsibility of the University as Producer of New Knowledge.” In Proceedings of the World Universities Congress, Canakkale Onzekiz Mart University (Canakkale, Turkey 20-24 October 2010). Canakkale, Turkey.

———. 2011. “The Development of Universities in Low and Middle Income Countries” presented at the Papua New Guinea University of Technology: presentation of Vice-Chancellor Candidates for staff and students, June 8, Lae. http://bit.ly/1bH2V6j.

———. 2013. “The Global Expansion Of Higher Education: Are Low Income Countries Catching Up?” In Lae, Papua New Guinea: Papua New Guinea University of Technology. http://bit.ly/1cHnJ18.

———. 2014. “Leadership, Strategic Planning and Strategic Management for Higher Education Institutions in Developing Countries.” In World Business and Economics Research Conference. Auckland, New Zealand: Journal of Management. http://bit.ly/1d4iJNO.

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Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

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Do you have a bad credit?Do you need money to pay bills?Do you need to start up a new business?Do you have unfinished project at hand due to bad financing?Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do.

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I'm Joyce Kane living in USA.I want to share this great testimony on how I got my loan from DAVIS LOAN COMPANY INC..I couldn't pay my bills anymore.I lost everything like it was the end of the world, my family were driven out of our home because I couldn't pay my bills anymore, i applied from various company but all to no avail i end up being scammed by this fake companies claiming to be lender and denied a loan by my bank as well as credit unions I visited. i was homeless, i was bored and felt like it was the end of the world, i prayed so hard to God so he can help me, i cried day and night, to God be the glory One day i meant an old friend of mine who introduced me to this God fearing loan company davisloancompany@yahoo.com At first I told him that I am not ready to take any risk of requesting a loan online anymore,but he assured me that I will receive my loan from them on a second thought due to my current situation and condition I took a trial and applied for the loan, I filled the loan application form and proceeded with all that was requested of me,so Luckily as God would have it, this great and God fearing company granted me a loan of $200,000.00 which i actually applied for from this company a God sent loan lender, i know many people are out there passing through so much pain right now all in the name of getting a loan i will strongly advise you all to get your loan today from this company You can get in contact with this great company via email at [davisloancompany@yahoo.com] OR CALL/TEXT +{424} 772-2156

My name is Marian i live in west Virginia and i am a happy woman today, I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to them.I would like to bring this to the notice of the public about how i meet martins Walters after i lost my job and being denied loan by my bank and other financial institution due to my credit score. I could not pay my children’s fees,I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two companies. Until i read about: martinswalters28@gmail.com where i was granted a loan to pay up my debts and to start up a business. You can contact them through the email above or martinswaltersloanfirm@yahoo.com. I am doing this to save as many that are in need of a loan not to be victim of scams on the internet.

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

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Hi people ,iam Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

Hi people ,iam Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

Good Day Everyone,We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via email barbarahodgeloanfirm@gmail.com. for the bible says””Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened”.So do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People.via email barbarahodgeloanfirm@gmail.com.

Monday-Saturday:7:30am-6:30pm {Processing time}.Sunday:12noon-6:30pm {Processing time}After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you.

BARBAR HODGE

barbarahodgeloanfirm@gmail.com or text or call us on +15017229938Awaiting your swift reply.

Are you tired of Seeking Loans and Mortgages, have you been turned down constantly By your banks and other Financial Institutions or micro finance scheme. This is to let you know with 100% guarantee that we Offer loans ranging from $ 5,000 to $ 500,000,000 at 3% interest rate per Month. We give out LOANS for developing business a competitive edge/business expansion.

Be rest assure that We are certified, trustworthy, reliable, efficient, Fast and dynamic. and a co-operate financier for real estate and any kinds of business financing, we give out long term loan for 6 Month to 30 years maximum and all interest rate and calculate and allow to be pay annually.

We offer the following kinds of loans and many more; We offer the following loans to individuals-

Are you tired of Seeking Loans and Mortgages, have you been turned down constantly By your banks and other Financial Institutions or micro finance scheme. This is to let you know with 100% guarantee that we Offer loans ranging from $ 5,000 to $ 500,000,000 at 3% interest rate per Month. We give out LOANS for developing business a competitive edge/business expansion.

Be rest assure that We are certified, trustworthy, reliable, efficient, Fast and dynamic. and a co-operate financier for real estate and any kinds of business financing, we give out long term loan for 6 Month to 30 years maximum and all interest rate and calculate and allow to be pay annually.

We offer the following kinds of loans and many more; We offer the following loans to individuals-

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,Dr. Ezra Sebastian+1 (850)846-6235We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.

Hi people ,iam Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

Hi people ,iam Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from Top AA Rated bank such as HSBC Bank Plc, Deutsche Bank AG Frankfurt, Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,Dr. Ezra Sebastian+1 (850)846-6235We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.

We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.DESCRIPTION OF INSTRUMENTS:1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)2. Total Face Value: 10M MIN to 50B MAX USD or Euro3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .4. Age: One Year, One Day5. Leasing Price: 4+ 1%6. Sale Price: 32+2%7. Delivery by SWIFT .8. Payment: MT103-239. Hard Copy: Bonded Courier within 7 banking days.If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.Name : Ciaran SheridanE-mail : ciaransheridan453@gmail.comSkype id : ciaransheridan453@gmail.com

I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

Attention!!!

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We offer the following loans below,personal loans[secure and unsecured]business loans[secure and unsecured]combination loansstudents loansconsolidation loans and so many others.

I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

Attention!!!

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We offer the following loans below,personal loans[secure and unsecured]business loans[secure and unsecured]combination loansstudents loansconsolidation loans and so many others.

We have provided over $1 Billion in business loans to over 20,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $900 million. (dr.maverickleonidassloans@gmail.com)

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I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

Attention!!!

Do you have a bad credit?Do you need money to pay bills?Do you need to start up a new business?Do you have unfinished project at hand due to bad financing?Do you need money to invest in some area of specialization which will profit you?

We offer the following loans below,personal loans[secure and unsecured]business loans[secure and unsecured]combination loansstudents loansconsolidation loans and so many others.

We offer fresh cut bank instrument for lease, such as BG, SBLC,Lease and Purchase Instruments can be obtained at minimal expense to the borrower compared to other banking options. This offer is opened to both individuals and corporate bodies.

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FEATURES:Amounts from $1 million to 5 Billion+Euro’s or US DollarsGreat Attorney Trust Account ProtectionDelivered via MT760, MT799 and MT103 Swift with Full Bank ResponsibilityBrokers Always Protected

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We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.c

We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.DESCRIPTION OF INSTRUMENTS:1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)2. Total Face Value: 10M MIN to 50B MAX USD or Euro3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .4. Age: One Year, One Day5. Leasing Price: 4+ 1%6. Sale Price: 32+2%7. Delivery by SWIFT .8. Payment: MT103-239. Hard Copy: Bonded Courier within 7 banking days.If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.Name : Cathal Mc HughE-mail : Cathalmchugh0700@gmail.comSkype id : Cathalmchugh0700@gmail.com

I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

Attention!!!

Do you have a bad credit?Do you need money to pay bills?Do you need to start up a new business?Do you have unfinished project at hand due to bad financing?Do you need money to invest in some area of specialization which will profit you?

We offer the following loans below,personal loans[secure and unsecured]business loans[secure and unsecured]combination loansstudents loansconsolidation loans and so many others.

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Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearlyrenewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

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Attention!!!

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We offer the following loans below,personal loans[secure and unsecured]business loans[secure and unsecured]combination loansstudents loansconsolidation loans and so many others.

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We have provided over $1 Billion in business loans to over 20,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $900 million. (dr.maverickleonidassloans@gmail.com)

Do you need a legit, honest, reputable and quick loan?? I can help you with 100% guarantee loan Are you a business man or woman? Are you in any financial stress? Or do you need money to start your own business? we offer financial freedom to serious clients our mission is to help the less financial privileges get back on track Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. we offer loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because we will make you smile through out this loan transaction Email: (dr.maverickleonidassloans@gmail.com)

We have provided over $20 Billion in business loans to over 30,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $1 Billion.

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THANK YOU JESUS FOR THIS FINANCIAL TURN AROUND USING PASTOR AMEIR MILLER

Glory be to God for this year 2018 i wont stop talking about my testimony and the goodness of theAmeir Miller loan agency in my life , I am Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : info@ameirmiller.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

THANK YOU JESUS FOR THIS FINANCIAL TURN AROUND USING PASTOR AMEIR MILLER

Glory be to God for this year 2018 i wont stop talking about my testimony and the goodness of theAmeir Miller loan agency in my life , I am Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : info@ameirmiller.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

We are Providers of all types of BG and SBLC with the best workable procedures. Our BG/SBLC ranges from MT799, MT760,(Both two way confirmation), MT103/23, MT103 (Both can be one way confirmation and two way confirmation) in USD and EUROS. Issuing Bank ranges from Top world 25 banks with face value ranging from 1M EUROS/USD to 5B EUROS/USD

BROKERS ARE WELCOME & 100% PROTECTED!!!Intermediaries/Consultants/Brokers are welcome to bring their clients and cases to our attention and in complete confidence we will work together for the benefits of all parties involve

HAPPY NEW YEAR FROM US AT THE WINONA MILLARAY LOAN AGENCY AS WE WISH YOU A PROSPEROUS AND A HAPPY NEW YEAR

DO YOU NEED A LOAN FUNDS WITHOUT NO HIDDEN UPFRONT PAYMENT OR FEES ? YOUR CHANCE COMES NOW .

GET OUR FAST AND GENUINE LOANS NOW WITHOUT ANY UPFRONT PAYMENT AND FEES .

Hello Everyone,

Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organization, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who have been calculated to be in the loan lending business/sector for 2 decades (21 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction. the CEO of the Winona Millaray loan foundation with branches across Asia, Europe , America , and Africa as we are up to lease any kind of loan to serious minded business men / investors like you .

Our dignity is to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans Should you need any kind of property investment loan / general type of loan .. do not hesitate to hit me on the company email address for more info on how our online loan release deals works as our online loan release terms and condition are very flexible , which means that .. it was carved out for great benefit to the entire world business active / engaged individual populace .

What is the loan Process ?

One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose.

The verification / approval process is physically done within 6 hours on submission of all documents required.

The time frame of getting an unsecured international loan funds that we are currently providing is not more than 24-48 hours as it highly depends on the total commitment and seriousness of such an esteemed borrower during the loan processing period which may take 1-2 day.

Here are a few of the options we are currently offering from this new year:

-Medical Expense Loans

- Start-Up Business Loans

- Bad Credit Financing

- Business Lines of Credit /Expansion Loan

- Equipment Financing

- Unsecured Business Loans

- Term Loans

- Micro Loans

- Non-Traditional Lending

- Investor Capital

-Vehicle / Car Loan

-Company Loan / Industrial Loan

-Debt Settlement / Consolidation Loan

-Military Personnel Loan

-General Type of Loan Etc .

FEEL FREE TO CHECK ON ME ON MY PERSONAL EMAIL ADDRESS SO THAT WE CAN TALK MORE .

You all are free to apply now for an unsecured legitimate and a guaranteed loan from the WINONA MILLARAY LOAN FOUNDATION as we are all ready and set to fulfill your various financial desires and dreams this season by granting you loans this New Year season .

TAKE NOTE: THE RULES AND REGULATIONS THAT HAS BEEN LAID DOWN HERE CANNOT BE BEND TO SATISFY ANY CUSTOMER WANTS, AS EVERY CUSTOMER IS EXPECTED TO MEET WITH THE RULES / TERMS IN TRYING TO ACQUIRE A LOAN HERE. IF ANYONE COULD NOT MEET WITH IT HERE, HIS OR HER LOAN APPLICATION WILL BE CANCELLED.

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We have provided over $50 Billion in business loans to over 25,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $800 million.

Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Bentley Grants Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Emai(dr.bentleygrantsloans@gmail.com)

Here comes an Affordable and Legit Loan that will change your life for ever, I am Dr. Bentley Grants a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Email: (dr.bentleygrantsloans@gmail.com) have you been looking for a quick and legit loan online why don't you try Dr. Bentley Grants loan company and be free from debts note gettinga loan from this company is 100% assured and guaranteed

We have provided over $50 Billion in business loans to over 25,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $800 million.

Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Bentley Grants Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Emai(dr.bentleygrantsloans@gmail.com)

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Do you have a bad credit? Do you need money to pay bills? Is it necessary to start a new business? Do you have an unfinished project due to poor funding? Do you need money to invest in any specialty that will benefit you? And you do not know what to do. We offer the following loans;both Personal loans [secure and unsecured], Business loans [secure and unsecured] ,combination loans ,Student loans,Consolidation loans and so many others...

About Me

Committed to making a real difference by leading positive change in higher education.

For over 10 years
from 1993-2004, I worked in Mexico, Central America and the Caribbean
in the field of environmental and sustainable development policy, and
environmental economics. My research interest is the role of technology and private business in the development of countries.

As an academic I have 17 peer review publications in various humanities and social sciences disciplines, supervised 5 PhD students and 18 Masters thesis.

As a consultant I worked as head of the environmental
studies department of SIDE, S.A. a consultancy company with
office in Mexico City, San José, and Lima I worked closely together
with many government organizations and private companies. For the World Bank’s Economic Development Institute I carried out two regional studies on sustainable development policies. For the European Commission I wrote one report on corporate social responsiblity, and one on the green economy for the European External Action Service.

Currently, I am Vice-Chancellor or Chief Executive Officer of the Papua New Guinea University of Papua New Guinea, in Lae.